Call reports 2025
JOHNSON CITY BANK — 2025
What JOHNSON CITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 133,095,000 | 133,648,000 | 136,766,000 | 139,859,000 |
| Total loans | 85,817,000 | 83,743,000 | 83,882,000 | 87,652,000 |
| Allowance for loan losses | 992,000 | 967,000 | 1,044,000 | 1,017,000 |
| Securities available for sale | 11,151,000 | 11,786,000 | 12,765,000 | 12,416,000 |
| Securities held to maturity | 7,033,000 | 6,735,000 | 6,175,000 | 6,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,707,000 | 116,146,000 | 118,888,000 | 121,929,000 |
| Interest-bearing deposits | 71,144,000 | 72,821,000 | 75,549,000 | 77,504,000 |
| Noninterest-bearing deposits | 44,563,000 | 43,325,000 | 43,339,000 | 44,425,000 |
| Equity capital | 17,135,000 | 17,223,000 | 17,540,000 | 17,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,466,000 | 5,257,000 | 7,082,000 |
| Interest expense | 432,000 | 868,000 | 1,312,000 | 1,750,000 |
| Net interest income | 1,293,000 | 2,598,000 | 3,945,000 | 5,332,000 |
| Noninterest income | 83,000 | 161,000 | 216,000 | 290,000 |
| Noninterest expense | 914,000 | 1,814,000 | 2,711,000 | 3,557,000 |
| Provision for loan losses | -6,000 | -20,000 | 69,000 | 177,000 |
| Pretax income | 458,000 | 942,000 | 1,369,000 | 1,885,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 458,000 | 942,000 | 1,369,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,288,000 | 18,379,000 | 18,397,000 | 18,519,000 |